Call reports 2009
HIGHPOINT COMMUNITY BANK — 2009
What HIGHPOINT COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 236,803,000 | 229,160,000 | 237,208,000 | 238,552,000 |
| Total loans | 155,538,000 | 151,896,000 | 150,317,000 | 148,825,000 |
| Allowance for loan losses | 2,350,000 | 2,254,000 | 2,244,000 | 2,830,000 |
| Securities available for sale | 32,041,000 | 41,389,000 | 37,489,000 | 36,095,000 |
| Securities held to maturity | 3,131,000 | 2,205,000 | 6,451,000 | 6,406,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,975,000 | 187,957,000 | 195,831,000 | 197,617,000 |
| Interest-bearing deposits | 161,147,000 | 158,469,000 | 167,139,000 | 166,690,000 |
| Noninterest-bearing deposits | 28,828,000 | 29,488,000 | 28,692,000 | 30,927,000 |
| Equity capital | 22,327,000 | 22,711,000 | 23,388,000 | 23,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,794,000 | 5,487,000 | 8,072,000 | 10,619,000 |
| Interest expense | 840,000 | 1,624,000 | 2,313,000 | 2,942,000 |
| Net interest income | 1,954,000 | 3,863,000 | 5,759,000 | 7,677,000 |
| Noninterest income | 493,000 | 1,018,000 | 1,558,000 | 2,048,000 |
| Noninterest expense | 1,962,000 | 4,156,000 | 6,067,000 | 7,939,000 |
| Provision for loan losses | 478,000 | 616,000 | 754,000 | 1,499,000 |
| Pretax income | 434,000 | 1,070,000 | 1,457,000 | 1,492,000 |
| Income tax | 30,000 | 145,000 | 170,000 | 150,000 |
| Net income | 404,000 | 925,000 | 1,287,000 | 1,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,232,000 | 21,085,000 | 21,511,000 | 20,961,000 |
| Total capital | 24,096,000 | 22,990,000 | 23,459,000 | 22,938,000 |
| Risk-weighted assets | 146,421,000 | 143,475,000 | 142,011,000 | 140,528,000 |